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Featured Purchase Rates
5/1 ARM
Rates as low as
5.968%
APR*
7/1 ARM
Rates as low as
6.094%
APR*
30-Year Fixed
Rates as low as
6.695%
APR*
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Ahnalee Andaya
Mortgage Loan Consultant
NMLS # 1846466
Mobile: (916) 508-7992
Email: aandaya@sactocu.org
Kellie Luong
Mortgage Loan Consultant
NMLS # 1027581
Mobile: (916) 897-0909
Email: kluong@sactocu.org
Explore Home Loan Content & Resources
Downpayment Assistance Programs
Don’t let saving for a down payment hold you back — discover resources designed to make homebuying easier.
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Hub
Find everything you need to buy your first home or your next. Explore tools, tips, and guidance all in one place.
First-Time
Homebuyer FAQs
Buying your first home doesn’t have to be overwhelming — see our FAQs for clear, simple guidance.
Jumbo Mortgages
Buying a home above conventional loan limits? Our jumbo purchase loans help you finance more home with local guidance from start to finish.
Reverse Mortgages
62 or older? Access your home’s equity with a reverse mortgage designed to provide greater financial flexibility.
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Home Loan Rates
Rates effective as of October 31, 2026.
Mortgage Purchase Rates
Fixed Rate Mortgages
| Loan Type | Rates2 | APR1 | Points |
|---|---|---|---|
| 30-YEAR FIXED | 6.500% | 6.695% | 1.00 |
| 6.625% | 6.772% | 0.50 | |
| 20-YEAR FIXED | 6.375% | 6.631% | 1.00 |
| 6.500% | 6.692% | 0.50 | |
| 15-YEAR FIXED | 5.750% | 6.065% | 1.00 |
| 5.875% | 6.111% | 0.50 |
READ MORE >
Rates effective as of October 31, 2026.
1 APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end.
Additional restrictions and conditions may apply.
Rates effective as of October 31, 2026.
1 APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end.
Additional restrictions and conditions may apply.
Adjustable Rate Purchase3
| Loan Type | Rates2 | APR1 | Points |
|---|---|---|---|
| 5/1 ARM | 5.875% | 5.968% | 0.0 |
| Payment Examples > | |||
| 7/1 ARM | 6.000% | 6.094% | 0.0 |
| Payment Examples > | |||
| 10/1 ARM | 6.125% | 6.220% | 0.0 |
| Payment Examples > | |||
READ MORE >
Rates effective as of October 31, 2026.
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $832,750) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.
³The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate. Floor rate = start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916)444-6070.
Rates effective as of October 31, 2026.
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $832,750) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.
³The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate. Floor rate = start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916)444-6070.
Rates effective as of October 31, 2026.
Mortgage Refinance Rates
Fixed Rate Refinance
| Loan Type | Rates | APR1 | Points |
|---|---|---|---|
| 30-YEAR FIXED | 6.750% | 6.948% | 1.00 |
| 6.875% | 7.024% | 0.50 | |
| 7.000% | 7.100% | 0.00 | |
| 20-YEAR FIXED | 6.625% | 6.883% | 1.00 |
| 6.750% | 6.944% | 0.50 | |
| 6.875% | 7.005% | 0.00 | |
| 15-YEAR FIXED | 6.250% | 6.569% | 1.00 |
| 6.375% | 6.614% | 0.50 | |
| 6.500% | 6.660% | 0.00 |
READ MORE >
Rates effective as of October 31, 2026.
1 APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end.
Additional restrictions and conditions may apply.
Rates effective as of October 31, 2026.
1 APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end.
Additional restrictions and conditions may apply.
Adjustable Rate Refinance3
| Loan Type | Rates2 | APR1 | Points |
|---|---|---|---|
| 5/1 ARM | 6.125% | 6.220% | 0.0 |
| Payment Examples > | |||
| 7/1 ARM | 6.250% | 6.345% | 0.0 |
| Payment Examples > | |||
| 10/1 ARM | 6.375% | 6.471% | 0.0 |
| Payment Examples > | |||
READ MORE >
Rates effective as of October 31, 2026.
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $832,750) are calculated based on a loan amount of $250,000 with closing costs of $3,000. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.
³
1. The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown.
2. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate.
3. Floor rate is the start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916) 444-6070.
Rates effective as of October 31, 2026.
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $832,750) are calculated based on a loan amount of $250,000 with closing costs of $3,000. APR calculations assume a loan amount of $300,000 plus fees and funding at month-end. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.
³
1. The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown.
2. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate.
3. Floor rate is the start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916) 444-6070.